Transcription: Your answers indicate you may need to work on your borrowing habits. You may see credit as extra income instead of a convenient way to use the money you have. If you can't pay creditors for the money they've loaned you, your credit rating will be damaged. Contact your creditors, work out a payment plan, and then stick with it. Creditors are less likely to start any legal actions if you follow through on an agreement. Also, you may want to establish rules to help you change your borrowing habits. Never use credit if you cannot afford to make payments. Make payments on or before the due date if ...
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